# terms of service

## 1. acceptance

by using neverkyc.io, you agree to these terms. if you don't agree, don't use the service. simple.

## 2. nature of service

neverkyc.io is a directory and review aggregator. we don't custody funds, execute swaps, or operate exchanges. we link to third-party services that we do not control.

## 3. no financial advice

nothing on this site is financial, tax, or legal advice. do your own research before using any service we list.

## 4. user content

you retain ownership of your reviews. by posting, you grant us a license to display them. we may remove content that's illegal, spam, or violates community guidelines.

## 5. no warranty

the service is provided "as is". we make no guarantees about uptime, accuracy of listings, or behavior of third-party exchanges.

## 6. limitation of liability

we are not liable for losses arising from your use of services we list. always verify before transacting.

## 7. changes

we may update these terms. continued use after changes means you accept the new terms.